Utkarsh Small Finance Bank

Utkarsh Small Finance Bank Limited (Utkarsh SFB) is a Scheduled Commercial Bank in India focused on providing accessible, inclusive and technology-enabled banking and financial services to individuals, businesses and communities across the country.

Utkarsh's journey began as a microfinance institution with a strong focus on serving unserved and underserved sections of society. The organisation started its journey in 2010 from Varanasi, with the objective of providing financial services to customers who had limited access to formal banking and credit facilities.

Utkarsh Small Finance Bank Limited was incorporated on 30 April 2016 and received its Small Finance Bank licence from the Reserve Bank of India on 25 November 2016. The bank commenced its banking operations on 23 January 2017, marking its transition from a microfinance-focused institution to a full-fledged Small Finance Bank.

Over the years, Utkarsh Small Finance Bank has expanded its offerings beyond microfinance and developed a diversified portfolio of banking and financial products. These include savings accounts, current accounts, deposits, microfinance, MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment finance and other retail and wholesale lending solutions.

The bank has a strong focus on rural and semi-urban markets, while its general banking services are available across a wider geographic footprint. Its approach is centred on improving access to formal financial services and supporting individuals, micro-entrepreneurs, small businesses and other customer segments.

Utkarsh Small Finance Bank also places significant emphasis on digital banking and technology-enabled financial services. Customers can access services through Internet Banking, Mobile Banking, digital onboarding, online account opening, UPI and other digital and assisted banking channels.

With its roots in financial inclusion and microfinance, Utkarsh SFB continues to work towards building a financially and socially inclusive banking institution that combines technology, responsible banking practices and customer-focused financial solutions.

Our Focus

• Financial Inclusion
• Accessible & Responsible Banking
• Rural & Semi-Urban Banking
• Microfinance & Micro Banking
• Retail & Digital Banking
• MSME & Business Banking
• Technology-Enabled Financial Services
• Support for Micro-Entrepreneurs and Small Businesses
• Customer-Centric Banking Solutions

Our Vision

Utkarsh Small Finance Bank's vision is to become a trusted, digitised, financially and socially inclusive bank that creates value across different sections of society through insightful and viable financial solutions.

Our Mission

The bank aims to be a preferred financial institution across customer segments by providing technology-enabled, sustainable, inclusive and scalable solutions, supported by strong values, corporate ethics and a customer-focused approach.

With its foundation in financial inclusion and its expanding digital and banking capabilities, Utkarsh Small Finance Bank continues to work towards making formal financial services more accessible to customers across India.